Business Credit Card

Business banking for every business

Business Credit CardOur Natwest Business Credit Card is designed for start ups and businesses with turnover up to £250k. It is simple, secure and flexible to make sure your day-to-day business runs as smoothly as possible.



By taking advantage of our Business Credit Card we can help you:

Improve your cash flow with an interest-free grace period of up to 45 days on purchases to help smooth your cash flow


Save time by separating business from personal expenditure


Save money because it is cheaper than traditional cheque transactions


Keep things flexible by carrying your balance over from one month to the next with a minimum payment of £5 or 5% of your balance (whichever is greater)


Enjoy the security you need with free online guarantee & Free Employee Misuse Insurance

Enjoy exclusive benefits and discounts with our Business Credit Card.

Features

Business Advantages

  • Hertz
  • IHG InterContinental Hotel Group
  • BusinessWeek
  • Green Flag Rescue
  • Red Letter Days

Business Advantages – Business Discounts

Insurance Advantages

  • Employee Misuse insurance - up to £15,000 per cardholder, £1m per company
  • Travel Accident Insurance - up to £50,000
  • Identity Theft Protection up to £150,000 - (optional)
  • Commercial Card Protection 24hr assistance - (optional)

Fraud Advantages

  • Protection against fraud
  • Online guarantee

The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions.



Purchase APR Typical 23.2% APR (variable)
Interest rates

Purchases
Balance Transfers
Cash advances
Cheques
Monthly Rate
1.408%
1.408%
2.075%
2.075%
Annual Rate
16.9%
16.9%
24.9%
24.9%
Interest-free periodMaximum 45 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest-free period on balance transfers, cash advances or cheques
Interest charging information

You will not pay interest on new purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. Otherwise, the period over which interest is charged will be as follows:


Purchases

Balance transfers

Cash Advances

Cheques
From
Date debited to your account
Date debited to your account
Date debited to your account
Date debited to your account
Until
Paid in full

Paid in full

Paid in full

Paid in full

Allocation of payments

Payments we receive are applied to the items on the Business Account in the following order of lowest first to highest (transactions may attract different interest rates), to all those items which have appeared on a Statement and then in the same order to those not yet shown on a Statement:

  • Interest on Special Offers
  • Other interest
  • Fees and Charges
  • Special Offers
  • Balance Transfers and Purchases
  • Cheques and Cash Advances

For further details, please refer to your Business Card General Terms

Minimum repayment

5% or £5, whichever is greater

Please note: We do not recommend that you only ever make your minimum payment.

Credit LimitMinimum £500
Maximum subject to status.
FeesAnnual Card Fee (for each card issued) normally £32
For further details, please refer to your Business Card General Terms
ChargesCash Advance Handling Fee: 3%, minimum £3
Cheque Handling Fee: 2.5%, minimum £2
Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.95%
Copies of statements: £1 per page
Cheque returned unpaid: £25
Request to stop a cheque payment: £25
For further details, please refer to your Business Card Terms
Default chargesOver limit fee: £12
Late payment fee: £12
Returned payment fee: £12


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